Pathfinder Bancorp, Inc. financial data

Symbol
PBHC on Nasdaq
Location
Oswego, NY
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 14 Nov 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 1096% % -0.82%
Return On Equity 6.1% % 268%
Return On Assets 0.51% % 269%

Shares

Label TTM Value / Value Unit Change %
Common Stock, Shares, Outstanding 4,719,288 shares 0%
Entity Public Float $67,500,000 USD -0.88%

Income Statement

Label TTM Value / Value Unit Change %
General and Administrative Expense $429,000 USD -36%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $10,179,000 USD 295%
Income Tax Expense (Benefit) $1,289,000 USD 200%
Net Income (Loss) Attributable to Parent $7,538,000 USD 275%
Earnings Per Share, Diluted 0.47 USD/shares 15%

Balance Sheet

Label TTM Value / Value Unit Change %
Property, Plant and Equipment, Net $18,760,000 USD -1.2%
Operating Lease, Right-of-Use Asset $1,124,000 USD -21%
Intangible Assets, Net (Excluding Goodwill) $5,518,000 USD -11%
Goodwill $5,056,000 USD -12%
Assets $1,472,268,000 USD -0.73%
Liabilities $1,345,929,000 USD -1.2%
Accumulated Other Comprehensive Income (Loss), Net of Tax $7,257,000 USD -8.1%
Retained Earnings (Accumulated Deficit) $79,560,000 USD 8%
Stockholders' Equity Attributable to Parent $126,339,000 USD 5.1%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $126,339,000 USD 4.3%
Liabilities and Equity $1,472,268,000 USD -0.73%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $5,697,000 USD 1030%
Net Cash Provided by (Used in) Financing Activities $16,071,000 USD
Net Cash Provided by (Used in) Investing Activities $1,872,000 USD 75%
Common Stock, Shares, Issued 4,745,366 shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $19,896,000 USD
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $40,572,000 USD 15%
Interest Paid, Excluding Capitalized Interest, Operating Activities $7,732,000 USD -19%
Deferred Tax Assets, Valuation Allowance $0 USD
Deferred Tax Assets, Gross $10,362,000 USD 10%
Operating Lease, Liability $1,326,000 USD -18%
Depreciation $413,000 USD 22%
Payments to Acquire Property, Plant, and Equipment $637,000 USD 177%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $6,997,000 USD -19%
Property, Plant and Equipment, Gross $44,004,000 USD 4.5%
Operating Lease, Weighted Average Discount Rate, Percent 0.04 pure 0%
Operating Lease, Payments $165,000 USD -8.8%
Additional Paid in Capital $53,974,000 USD 1.4%
Amortization of Intangible Assets $143,000 USD 2760%
Interest Expense $35,532,000 USD 93%